KreditScore, KreditLine & P2P lending
The Kredit hub (koins.kariant.app/kredit) has three tabs: Score, Line, and P2P.
KreditScorelink
Your Koins-behavior score, computed server-side from real activity. Before the first server computation the page shows a clearly-labeled provisional estimate and requests a recompute automatically. A score of 401+ plus 100 Koins of history gates lending.
KreditLinelink
An admin-approved credit line (~12% p.a.). Apply from the Line tab; approval, disbursement and repayments all run server-side and appear in your ledger.
P2P lendinglink
Request a loan on the marketplace or fund someone else’s. Funding, repayment and cancellation are server-processed; listings expire automatically.